Skip to content
Purchase Mortgage Loan
Get Pre-Approved

First-time home buyer programs in Calexico, CA

Quick answer

First-time buyers in Calexico, CA can use 3%-down conventional loans (up to the $832,750 Imperial County conforming limit), 3.5%-down FHA, or VA and USDA where eligible, plus 1 verified city, county or statewide assistance program. On the $281,700 median home, 3% down is about $8,451 and the estimated payment is $2,269/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $50,021; value-to-income ratio 5.63. Calexico ranks 469 by home value and 223 by population among 502 places in our CA dataset.

What does a first-time buyer loan cost on a typical Calexico home?

ItemCalexico
Median home value (Census ACS)$281,700
California median home value$695,400
Down payment (3%)$8,451
Loan amount$273,249
Estimated monthly payment (PITI + MI)$2,269
Income needed (28% / 36%)$98,000 / $76,000
Imperial County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes California's 0.71% effective property tax rate (Census ACS), $1,655/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in Calexico?

Calexico is in Imperial County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The Calexico median home value of $281,700 is 59% below the California median, and within what the county limit supports.

Which down payment assistance programs can Calexico buyers use?

First-time buyer loans in nearby cities

El CentroImperialBrawleyAlpineSan Diego Country EstatesCoachella

First-time buyer loan FAQs for Calexico

On the $281,700 median: 3% conventional ≈ $8,451, 3.5% FHA ≈ $9,860, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Imperial County become jumbo loans.

At the $281,700 median value (below the California median of $695,400), the estimated payment of $2,269/month at 7.18% needs about $98,000 a year under the 28% housing guideline, or $76,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 1 statewide programs are verified for this city (1 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with First-time buyer lenders in Calexico

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.